Senior Underwriter - A&H Occupational Risk

Crum & Forster; United States; Hybrid; USD 120,000 - 180,000; Full time

Job summary

Crum & Forster is seeking a Senior Underwriter to manage Auto Physical Damage and Liability lines within the Occupational Risk unit. The role emphasizes independent underwriting, agency relationship building, and profitability growth across a transportation-focused portfolio.

The position offers flexible work options (remote possible) with a preference for a hybrid setup at our Glastonbury, CT office, and opportunities to influence risk strategies on a national scale.

Qualifications

• Strong presentation skills and ability to lead sales meetings.
• Strong interpersonal and communication (verbal and written) skills.
• Strong risk management, problem solving and analytical skills.
• A customer centric mentality.
• Critical thinking and decision-making skills.
• Ability to work both independently and in a team environment.
• High degree of organization to prioritize work and follow up on issues.

Responsibilities

• Focused underwriting on Auto Physical Damage and Liability accounts within the Transportation sector
• Accelerate growth and meet profitability, retention, and premium goals determined by the department
• Build and manage agency relationships, both retail and wholesale
• Make independent underwriting decisions in accordance with letter of authority across multiple products
• Strong underwriting evaluation of incumbent business with a focus on new business production
• Quoting and servicing accounts in an accurate and timely manner
• Manage submission documents to ensure adequate information is provided for evaluation
• Perform account setup within C&F systems
• Maintain complete and accurate file documentation that supports decisions, compliance and audit requirements
• Develop an in-depth knowledge of department products and services
• Clearly articulate the department's value proposition and represent our business when meeting with clients
• Perform Underwriting Audits
• Maintain awareness of market trends and identify emerging threats and opportunities for the department
• Collaborate with colleagues to achieve departmental goals
• Abide by departmental policies and procedures, including authority levels, to comply with C&F's risk management controls
• Share expertise and guidance with underwriting team members, as applicable
• Other duties as assigned by Occupational Risk leadership

Skills

Presentation skills

Communication skills

Risk management

Analytical thinking

Decision making

Teamwork

Organizational skills

Customer focus

Job description

Crum & Forster Company Overview

Crum & Forster (C&F) provides market leading property & casualty, accident & health, specialty and standard commercial lines insurance solutions. A true underwriting company, we have a 200-year history of helping our customers manage risk with laser-focused expertise, integrity and discipline. Our people are empowered to make decisions and problem-solve with you smartly and swiftly. Our annual gross written premium is 6.2 billion. C&F enjoys a financial strength rating of "A+ (Superior)" by AM Best.

Our most valuable asset is our people. We have 3000 employees, and locations throughout the United States and India. With our employee-first focus, the Company is consistently recognized as a great place to work, earning multiple workplace and wellness awards, including the Great Place to Work® Award, Fortune 100 Best Companies to Work For, Fortune Best Workplaces for Parents, Fortune Best Workplaces for Millennials, and many others.

C&F is part of Fairfax Financial Holdings. For more information about C&F, please visit our website: www.cfins.com

Job Description

This position can be fully remote, but ideally would be hybrid in our Glastonbury CT office.

Since 2000, Crum & Forster's Accident & Health division (A&H) has offered a diverse portfolio of specialty insurance and reinsurance products nationwide. We place a strong focus on product development and creative distribution methods, along with excellent client service and support.

In addition to our robust domestic portfolio, which spans both special risk and medical solutions, A&H works on an international basis through various partnerships. Our global capabilities provide our partners with even broader flexibility in underwriting solutions.

The qualities and capabilities of Crum & Forster Accident & Health demonstrate our philosophy of building meaningful, long-term partnerships and our dedication to providing alternative strategies in an ever-changing insurance market.

The A&H Specialty Business Unit (SBU) takes a forward-thinking, flexible approach to solutions that span a robust slate of products tailored to needs in Special Risk, International Travel Medical, retail and wholesale Travel, Occupational & Alternative Risk, and Pet insurance. At year-end 2025 the SBU recorded $1.4B in gross premium written.

Information about the Role, Line of Business and Team:

The Occupational Risk Profit Center is part of the Specialty Business Unit within A&H and writes the following lines of business for Independent Contractors and the companies utilizing their services: Occupational Accident, Contingent Liability, Non-Trucking Liability, and Physical Damage for Independent Contractors with ancillary Workers' Compensation for employees.

This Senior Underwriter will play a critical role in shaping the profitability and growth of the Auto Physical Damage and Liability business. With a high degree of autonomy, you will drive sales and underwrite our portfolio of products including Non-Trucking Liability, Physical Damage, Occupational Accident, Contingent Liability, and Workers' Compensation.

What you will do:

• Focused underwriting on Auto Physical Damage and Liability accounts within the Transportation sector
• Accelerate growth and meet profitability, retention, and premium goals determined by the department
• Build and manage agency relationships, both retail and wholesale
• Make independent underwriting decisions in accordance with letter of authority across multiple products
• Strong underwriting evaluation of incumbent business with a focus on new business production
• Quoting and servicing accounts in an accurate and timely manner
• Manage submission documents to ensure adequate information is provided for evaluation
• Perform account setup within C&F systems
• Maintain complete and accurate file documentation that supports decisions, compliance and audit requirements
• Develop an in-depth knowledge of department products and services
• Clearly articulate the department's value proposition and represent our business when meeting with clients
• Perform Underwriting Audits
• Maintain awareness of market trends and identify emerging threats and opportunities for the department
• Collaborate with colleagues to achieve departmental goals
• Abide by departmental policies and procedures, including authority levels, to comply with C&F's risk management controls
• Share expertise and guidance with underwriting team members, as applicable
• Other duties as assigned by Occupational Risk leadership

What YOU will bring to C&F:

• Strong presentation skills and ability to lead sales meetings
• Strong interpersonal and communication (verbal and written) skills
• Strong risk management, problem solving and analytical skills
• A customer centric mentality
• Critical thinking and decision-making skills
• Ability to work both independently and in a team environment
• High degree of organization to prioritize work and follow up on issues
• Exceptional attention to de